Unit Pinjaman

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KOPERASI GURU-GURU SEKOLAH MALAYSIA BERHAD
67 & 69, Jalan Chung Thye Phin, 30250 Ipoh, Perak
Tel : 05-2537575 / 2531896 / 013-6342308 Fax: 05-2543266 /2425216
Email : kopergg@yahoo.com Website : http://www.kgsm.com.my

Tawaran Hebat Kepada Anggota KGSM BHD

PINJAMAN BIASA

Tempoh sehingga 10 tahun
Kadar Faedah serendah 2.95% setahun
Tanpa Penjamin Sehingga RM100,000.00>

PINJAMAN BIASA
Tahun	1	2	3	4	5	6	7	8	9	10
Kadar	2.95%	2.95%	2.95%	3.60%	3.60%	3.90%	3.90%	3.99%	3.99%	3.99%
5,000	428.96	220.63	151.18	119.17	98.33	85.69	75.77	68.71	62.92	58.29
10,000	857.92	441.25	302.36	238.33	196.67	171.39	151.55	137.42	125.84	116.58
15,000	1,286.88	661.88	453.54	357.50	295.00	257.08	227.32	206.13	188.76	174.88
20,000	1,715.83	882.50	604.72	476.67	393.33	342.78	303.10	274.83	251.69	233.17
25,000	2,144.79	1,103.13	755.90	595.83	491.67	428.47	378.87	343.54	314.61	291.46
30,000	2,573.75	1,323.75	907.08	715.00	590.00	514.17	454.64	412.25	377.53	349.75
35,000	3,002.71	1,544.38	1,058.26	834.17	688.33	599.86	530.42	480.96	440.45	408.04
40,000	3,431.67	1,765.00	1,209.44	953.33	786.67	685.56	606.19	549.67	503.37	466.33
45,000	3,860.63	1,985.63	1,360.63	1,072.50	885.00	771.25	681.96	618.38	566.29	524.63
50,000	4,289.58	2,206.25	1,511.81	1,191.67	983.33	856.94	757.74	687.08	629.21	582.92
55,000	4,718.54	2,426.88	1,662.99	1,310.83	1,081.67	942.64	833.51	755.79	692.13	641.21
60,000	5,147.50	2,647.50	1,814.17	1,430.00	1,180.00	1,028.33	909.29	824.50	755.06	699.50
65,000	5,576.46	2,868.13	1,965.35	1,549.17	1,278.33	1,114.03	985.06	893.21	817.98	757.79
70,000	6,005.42	3,088.75	2,116.53	1,668.33	1,376.67	1,199.72	1,060.83	961.92	880.90	816.08
75,000	6,434.38	3,309.38	2,267.71	1,787.50	1,475.00	1,285.42	1,136.61	1,030.63	943.82	874.38
80,000	6,863.33	3,530.00	2,418.89	1,906.67	1,573.33	1,371.11	1,212.38	1,099.33	1,006.74	932.67
85,000	7,292.29	3,750.63	2,570.07	2,025.83	1,671.67	1,456.81	1,288.15	1,168.04	1,069.66	990.96
90,000	7,721.25	3,971.25	2,721.25	2,145.00	1,770.00	1,542.50	1,363.93	1,236.75	1,132.58	1,049.25
95,000	8,150.21	4,191.88	2,872.43	2,264.17	1,868.33	1,628.19	1,439.70	1,305.46	1,195.50	1,107.54
100,000	8,579.17	4,412.50	3,023.61	2,383.33	1,966.67	1,713.89	1,515.48	1,374.17	1,258.43	1,165.83
105,000	9,008.13	4,633.13	3,174.79	2,502.50	2,065.00	1,799.58	1,591.25	1,442.88	1,321.35	1,224.13
110,000	9,437.08	4,853.75	3,325.97	2,621.67	2,163.33	1,885.28	1,667.02	1,511.58	1,384.27	1,282.42
115,000	9,866.04	5,074.38	3,477.15	2,740.83	2,261.67	1,970.97	1,742.80	1,580.29	1,447.19	1,340.71
120,000	10,295.00	5,295.00	3,628.33	2,860.00	2,360.00	2,056.67	1,818.57	1,649.00	1,510.11	1,399.00
125,000	10,723.96	5,515.63	3,779.51	2,979.17	2,458.33	2,142.36	1,894.35	1,717.71	1,573.03	1,457.29
130,000	11,152.92	5,736.25	3,930.69	3,098.33	2,556.67	2,228.06	1,970.12	1,786.42	1,635.95	1,515.58
135,000	11,581.88	5,956.88	4,081.88	3,217.50	2,655.00	2,313.75	2,045.89	1,855.13	1,698.88	1,573.88
140,000	12,010.83	6,177.50	4,233.06	3,336.67	2,753.33	2,399.44	2,121.67	1,923.83	1,761.80	1,632.17
145,000	12,439.79	6,398.13	4,384.24	3,455.83	2,851.67	2,485.14	2,197.44	1,992.54	1,824.72	1,690.46
150,000	12,868.75	6,618.75	4,535.42	3,575.00	2,950.00	2,570.83	2,273.21	2,061.25	1,887.64	1,748.75
155,000	13,297.71	6,839.38	4,686.60	3,694.17	3,048.33	2,656.53	2,348.99	2,129.96	1,950.56	1,807.04
160,000	13,726.67	7,060.00	4,837.78	3,813.33	3,146.67	2,742.22	2,424.76	2,198.67	2,013.48	1,865.33
165,000	14,155.63	7,280.63	4,988.96	3,932.50	3,245.00	2,827.92	2,500.54	2,267.38	2,076.40	1,923.63
170,000	14,584.58	7,501.25	5,140.14	4,051.67	3,343.33	2,913.61	2,576.31	2,336.08	2,139.32	1,981.92
175,000	15,013.54	7,721.88	5,291.32	4,170.83	3,441.67	2,999.31	2,652.08	2,404.79	2,202.25	2,040.21
180,000	15,442.50	7,942.50	5,442.50	4,290.00	3,540.00	3,085.00	2,727.86	2,473.50	2,265.17	2,098.50
185,000	15,871.46	8,163.13	5,593.68	4,409.17	3,638.33	3,170.69	2,803.63	2,542.21	2,328.09	2,156.79
190,000	16,300.42	8,383.75	5,744.86	4,528.33	3,736.67	3,256.39	2,879.40	2,610.92	2,391.01	2,215.08
195,000	16,729.38	8,604.38	5,896.04	4,647.50	3,835.00	3,342.08	2,955.18	2,679.63	2,453.93	2,273.38
200,000	17,158.33	8,825.00	6,047.22	4,766.67	3,933.33	3,427.78	3,030.95	2,748.33	2,516.85	2,331.67

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PINJAMAN KECEMASAN

Tempoh sehingga 5 tahun
Kadar Faedah serendah 3.75% setahun
Tanpa Penjamin Sehingga RM10,000.00>

PINJAMAN KECEMASAN
JADUAL PINJAMAN KECEMASAN ( Mak. RM8,000/- Mak.60 bulan )
TEMPOH & ANSURAN BAYARAN ( Kadar faedah 3.75 % setahun )
Tahun	1	1 1/2	2	2 1/2	3	3 1/2	4	4 1/2	5
1,000	86.46	58.68	44.79	36.46	30.90	26.93	23.96	21.64	19.79
2,000	172.92	117.36	89.58	72.92	61.81	53.87	47.92	43.29	39.58
3,000	259.38	176.04	134.38	109.38	92.71	80.80	71.88	64.93	59.38
4,000	345.83	234.72	179.17	145.83	123.61	107.74	95.83	86.57	79.17
5,000	432.29	293.40	223.96	182.29	154.51	134.67	119.79	108.22	98.96
6,000	518.75	352.08	268.75	218.75	185.42	161.61	143.75	129.86	118.75
7,000	605.21	410.76	313.54	255.21	216.32	188.54	167.71	151.50	138.54
8,000	691.67	469.44	358.33	291.67	247.22	215.48	191.67	173.15	158.33
9,000	778.13	528.13	403.13	328.13	278.13	242.41	215.63	194.79	178.13
10,000	864.58	586.81	447.92	364.58	309.03	269.35	239.58	216.44	197.92

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PINJAMAN PENGGUNA

Tempoh sehingga 7 tahun
Kadar Faedah serendah 3.75% setahun
Tanpa Penjamin Sehingga RM10,000.00>

PINJAMAN PELANCONGAN

Tempoh sehingga 7 tahun
Kadar Faedah serendah 3.75% setahun
Tanpa Penjamin Sehingga RM30,000.00>

JADUAL PINJAMAN PENGGUNA (RM10,000/-) & PELANCONGAN ( RM30,000/-)
TEMPOH & ANSURAN BAYARAN ( KADAR FAEDAH 3.75% SETAHUN )
Tahun	1	2	3	4	5	6	7
1,000	86.46	44.79	30.90	23.96	19.79	17.01	15.03
2,000	172.92	89.58	61.81	47.92	39.58	34.03	30.06
3,000	259.38	134.38	92.71	71.88	59.38	51.04	45.09
4,000	345.83	179.17	123.61	95.83	79.17	68.06	60.12
5,000	432.29	223.96	154.51	119.79	98.96	85.07	75.15
6,000	518.75	268.75	185.42	143.75	118.75	102.08	90.18
7,000	605.21	313.54	216.32	167.71	138.54	119.10	105.21
8,000	691.67	358.33	247.22	191.67	158.33	136.11	120.24
9,000	778.13	403.13	278.13	215.63	178.13	153.13	135.27
10,000	864.58	447.92	309.03	239.58	197.92	170.14	150.30
15,000	1,296.88	671.88	463.54	359.38	296.88	255.21	225.45
20,000	1,729.17	895.83	618.06	479.17	395.83	340.28	300.60
25,000	2,161.46	1,119.79	772.57	598.96	494.79	425.35	375.74
30,000	2,593.75	1,343.75	927.08	718.75	593.75	510.42	450.89

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PINJAMAN PENDIDIKAN TINGGI

Tempoh sehingga 10 tahun
Kadar Faedah serendah 3.75% setahun
Tanpa Penjamin Sehingga RM50,000.00>

JADUAL PINJAMAN PENDIDIKAN TINGGI
TEMPOH & ANSURAN BAYARAN ( KADAR FAEDAH 3.75% SETAHUN )
Tahun	1	2	3	4	5	6	7	8	9	10
5,000	432.29	223.96	154.51	119.79	98.96	85.07	75.15	67.71	61.92	57.29
10,000	864.58	447.92	309.03	239.58	197.92	170.14	150.30	135.42	123.84	114.58
15,000	1,296.88	671.88	463.54	359.38	296.88	255.21	225.45	203.13	185.76	171.88
20,000	1,729.17	895.83	618.06	479.17	395.83	340.28	300.60	270.83	247.69	229.17
25,000	2,161.46	1,119.79	772.57	598.96	494.79	425.35	375.74	338.54	309.61	286.46
30,000	2,593.75	1,343.75	927.08	718.75	593.75	510.42	450.89	406.25	371.53	343.75
35,000	3,026.04	1,567.71	1,081.60	838.54	692.71	595.49	526.04	473.96	433.45	401.04
40,000	3,458.33	1,791.67	1,236.11	958.33	791.67	680.56	601.19	541.67	495.37	458.33
45,000	3,890.63	2,015.63	1,390.63	1,078.13	890.63	765.63	676.34	609.38	557.29	515.63
50,000	4,322.92	2,239.58	1,545.14	1,197.92	989.58	850.69	751.49	677.08	619.21	572.92

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PINJAMAN ATAS YURAN

Tempoh 1 hingga 5 tahun-Kadar faedah 2.95% setahun
Tempoh 6 hingga 10 tahun-Kadar faedah 3.60% setahun
Tanpa penjamin sehingga 90% atas yuran simpanan>

PINJAMAN ATAS YURAN
Tahun	1	2	3	4	5	6	7	8	9	10
Kadar	2.95%	2.95%	2.95%	2.95%	2.95%	3.60%	3.60%	3.60%	3.60%	3.60%
5,000	428.96	220.63	151.18	116.46	95.63	84.44	74.52	67.08	61.30	58.29
10,000	857.92	441.25	302.36	232.92	191.25	168.89	149.05	134.17	122.59	116.58
15,000	1,286.88	661.88	453.54	349.38	286.88	253.33	223.57	201.25	183.89	174.88
20,000	1,715.83	882.50	604.72	465.83	382.50	337.78	298.10	268.33	245.19	233.17
25,000	2,144.79	1,103.13	755.90	582.29	478.13	422.22	372.62	335.42	306.48	291.46
30,000	2,573.75	1,323.75	907.08	698.75	573.75	506.67	447.14	402.50	367.78	349.75
35,000	3,002.71	1,544.38	1,058.26	815.21	669.38	591.11	521.67	469.58	429.07	408.04
40,000	3,431.67	1,765.00	1,209.44	931.67	765.00	675.56	596.19	536.67	490.37	466.33
45,000	3,860.63	1,985.63	1,360.63	1,048.13	860.63	760.00	670.71	603.75	551.67	524.63
50,000	4,289.58	2,206.25	1,511.81	1,164.58	956.25	844.44	745.24	670.83	612.96	582.92
55,000	4,718.54	2,426.88	1,662.99	1,281.04	1,051.88	928.89	819.76	737.92	674.26	641.21
60,000	5,147.50	2,647.50	1,814.17	1,397.50	1,147.50	1,013.33	894.29	805.00	735.56	699.50
65,000	5,576.46	2,868.13	1,965.35	1,513.96	1,243.13	1,097.78	968.81	872.08	796.85	757.79
70,000	6,005.42	3,088.75	2,116.53	1,630.42	1,338.75	1,182.22	1,043.33	939.17	858.15	816.08
75,000	6,434.38	3,309.38	2,267.71	1,746.88	1,434.38	1,266.67	1,117.86	1,006.25	919.44	874.38
80,000	6,863.33	3,530.00	2,418.89	1,863.33	1,530.00	1,351.11	1,192.38	1,073.33	980.74	932.67
85,000	7,292.29	3,750.63	2,570.07	1,979.79	1,625.63	1,435.56	1,266.90	1,140.42	1,042.04	990.96
90,000	7,721.25	3,971.25	2,721.25	2,096.25	1,721.25	1,520.00	1,341.43	1,207.50	1,103.33	1,049.25
95,000	8,150.21	4,191.88	2,872.43	2,212.71	1,816.88	1,604.44	1,415.95	1,274.58	1,164.63	1,107.54
100,000	8,579.17	4,412.50	3,023.61	2,329.17	1,912.50	1,688.89	1,490.48	1,341.67	1,225.93	1,165.83

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PINJAMAN KERETA

Tempoh 1 hingga 10 tahun
Kadar Faedah serendah 2.00 % hingga 3.60 %>

Proton X70 & X50

Tahun	1-2	3-4	5-6	7-8	9-10
Bulan	12 -24	25-48	49-72	73-96	97-120
Amount (RM)
10,000 to 20,000	2.95%	2.95%	2.85%	2.75%	2.70%
20,001 to 40,000	2.55%	2.95%	2.75%	2.70%	2.70%
40,001 to 80,000	2.35%	2.55%	2.45%	2.40%	2.45%
80,001 to 120,000	2.25%	2.45%	2.35%	2.35%	2.40%
above RM120,001	2.00%	2.25%	2.30%	2.30%	2.35%

Proton PIES Models (Persona, Iriz, Exora, Saga)

Tahun	1-2	3-4	5-6	7-8	9-10
Bulan	12 -24	25-48	49-72	73-96	97-120
Amount (RM)
10,000 to 20,000	2.95%	3.60%	3.35%	3.35%	3.45%
20,001 to 40,000	2.95%	3.20%	3.10%	3.15%	3.20%
40,001 to 60,000	2.95%	2.99%	3.00%	3.10%	3.15%
60,001 and above	2.95%	2.95%	2.95%	3.00%	3.10%

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DOKUMEN YANG DIPERLUKAN :-

Salinan Kad Pengenalan
Penyata Gaji 2 Bulan Terkini :- Disahkan oleh Pegawai-Pegawai berikut:
Sek Men / Ren di Semenanjung
1. Pengetua / Guru Besar
2. Penolong Kanan Pentadbiran
3. Penolong Kanan Hal Ehwal Murid (HEM)
4. Penyelia Petang / Penolong Kanan Petang
5. Penolong Kanan Ko-Kurikulum
Politeknik / Matrikulasi / Maktab / Institut Kolej / Universiti
1. Pengarah / Tembalan Pengarah
2. Ketua Jabatan - Unit masing-masing
3. Pegawai Eksekutif Tertinggi
4. Pegawai Tadbir / Penolong Pegawai Tadbir
5. Ketua Pusat
6. Bendahari / Eksekutif Kewangan / Gaji
Sekolah di Sabah
1. Sek Men - Pengetua
2. Sek Keb - Guru Besar
3. Sek Keb Daerah Sandakan - PPD sahaja
Sekolah di Sarawak
1. Sek Men - Pengetua
2. Sek Keb - PPD
Perhatian :-
Penyata Gaji yang disahkan oleh pegawai-pegawai berikut TIDAK BOLEH diterima :
1. Guru Kanan
2. Penolong Kanan Tingkatan 6
3. Penolong Kanan Bahasa

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*** Tertakluk kepada Syarat dan Terma KGSM BHD. ***
SILA HUBUNGI :-

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Tawaran Hebat Kepada Anggota KGSM BHD

PINJAMAN BIASA

PINJAMAN KECEMASAN

JADUAL PINJAMAN PENDIDIKAN TINGGI

PINJAMAN ATAS YURAN

Proton X70 & X50

Proton PIES Models (Persona, Iriz, Exora, Saga)

DOKUMEN YANG DIPERLUKAN :-